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Universal Insurance (UVE) Financials

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Annual Income Statements for Universal Insurance

Annual Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 -22 67 59
Consolidated Net Income / (Loss)		 -22 67 59
Net Income / (Loss) Continuing Operations		 -22 67 59
Total Pre-Tax Income 		-27 88 85
Total Revenue		 1,216 1,385 1,514
Net Interest Income / (Expense)		 -6.61 -6.53 -6.48
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 6.61 6.53 6.48
Long-Term Debt Interest Expense		 6.61 6.53 6.48
Total Non-Interest Income		 1,223 1,392 1,521
Other Service Charges		 81 80 80
Net Realized & Unrealized Capital Gains on Investments		 13 59 68
Premiums Earned		 1,129 1,252 1,373
Total Non-Interest Expense		 1,243 1,297 1,429
Property & Liability Insurance Claims		 938 993 1,087
Other Operating Expenses		 305 304 342
Income Tax Expense		 -4.99 22 26
Basic Earnings per Share		 ($0.72) $2.24 $2.07
Weighted Average Basic Shares Outstanding		 30.75M 29.83M 28.50M
Diluted Earnings per Share		 ($0.72) $2.22 $2.01
Weighted Average Diluted Shares Outstanding		 30.75M 30.15M 29.27M
Weighted Average Basic & Diluted Shares Outstanding		 30.43M 28.97M 28.10M
Cash Dividends to Common per Share		 $0.77 $0.77 $0.77

Quarterly Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 -72 25 24 29 -5.92 20 34 35 -16 6.02
Consolidated Net Income / (Loss)		 -72 25 24 29 -5.92 20 34 35 -16 6.02
Net Income / (Loss) Continuing Operations		 -72 25 24 29 -5.92 20 34 35 -16 6.02
Total Pre-Tax Income 		-93 33 33 38 -7.88 26 47 48 -18 7.35
Total Revenue		 313 325 311 338 360 376 366 380 386 382
Net Interest Income / (Expense)		 -1.63 -1.64 -1.64 -1.63 0.00 -3.27 -1.62 0.00 -1.62 -3.24
Total Interest Expense		 1.63 1.64 1.64 1.63 0.00 3.27 1.62 0.00 1.62 3.24
Total Non-Interest Income		 308 342 312 340 360 380 368 380 388 385
Other Service Charges		 15 35 19 22 18 21 17 20 20 23
Net Realized & Unrealized Capital Gains on Investments		 2.22 14 11 14 11 23 17 16 22 14
Premiums Earned		 291 292 282 303 331 335 334 345 346 348
Total Non-Interest Expense		 399 307 278 300 368 350 319 332 404 374
Property & Liability Insurance Claims		 330 223 206 224 288 275 240 244 317 287
Other Operating Expenses		 69 85 72 77 78 77 79 87 87 89
Income Tax Expense		 -21 7.73 8.62 8.97 -1.96 5.90 14 12 -1.96 1.33
Basic Earnings per Share		 ($2.36) $0.84 $0.80 $0.94 ($0.20) $0.70 $1.17 $1.24 ($0.57) $0.23
Weighted Average Basic Shares Outstanding		 30.60M 30.75M 30.38M 30.27M 29.62M 29.83M 28.87M 28.60M 28.36M 28.50M
Diluted Earnings per Share		 ($2.36) $0.84 $0.79 $0.93 ($0.20) $0.70 $1.14 $1.21 ($0.57) $0.23
Weighted Average Diluted Shares Outstanding		 30.60M 30.75M 30.63M 30.66M 29.62M 30.15M 29.40M 29.31M 28.36M 29.27M
Weighted Average Basic & Diluted Shares Outstanding		 30.51M 30.43M 30.44M 30.08M 29.19M 28.97M 28.76M 28.48M 28.29M 28.10M
Cash Dividends to Common per Share		 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29

Annual Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 138 8.60 -138
Net Cash From Operating Activities		 325 71 137
Net Cash From Continuing Operating Activities		 325 71 137
Net Income / (Loss) Continuing Operations		 -22 67 59
Consolidated Net Income / (Loss)		 -22 67 59
Provision For Loan Losses		 1.14 0.15 1.00
Depreciation Expense		 7.30 7.31 6.12
Amortization Expense		 8.83 7.27 4.46
Non-Cash Adjustments to Reconcile Net Income		 18 -7.28 0.81
Changes in Operating Assets and Liabilities, net		 312 -3.31 66
Net Cash From Investing Activities		 -149 -15 -228
Net Cash From Continuing Investing Activities		 -149 -15 -228
Purchase of Property, Leasehold Improvements and Equipment		 -4.90 -4.02 -7.37
Purchase of Investment Securities		 -277 -185 -391
Sale of Property, Leasehold Improvements and Equipment		 0.10 0.04 0.11
Sale and/or Maturity of Investments		 133 173 170
Net Cash From Financing Activities		 -37 -47 -47
Net Cash From Continuing Financing Activities		 -37 -47 -47
Repayment of Debt		 -1.61 -1.47 -1.47
Repurchase of Common Equity		 -12 -22 -22
Payment of Dividends		 -24 -23 -22
Other Financing Activities, Net		 -0.42 -0.34 -1.42
Cash Interest Paid		 5.80 5.82 5.77
Cash Income Taxes Paid		 17 9.71 28

Quarterly Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -25 304 -8.29 -23 -18 58 -84 -72 -83 101
Net Cash From Operating Activities		 -2.27 101 -50 52 69 0.34 83 73 83 -101
Net Cash From Continuing Operating Activities		 - 325 0.00 - - 71 0.00 48 -50 140
Net Income / (Loss) Continuing Operations		 - -22 0.00 - - 67 0.00 48 -50 61
Consolidated Net Income / (Loss)		 - - - - - - - - -50 61
Net Cash From Investing Activities		 -17 -8.83 -2.63 -13 0.93 -0.79 -74 -110 -23 -21
Net Cash From Continuing Investing Activities		 -17 -8.83 -2.63 -13 0.93 -0.79 -74 -110 -23 -21
Purchase of Property, Leasehold Improvements and Equipment		 -0.60 -0.51 -0.69 -1.17 -1.01 -1.15 -3.30 -1.52 -1.66 -0.89
Purchase of Investment Securities		 -56 -30 -36 -62 -39 -49 -111 -145 -96 -39
Sale of Property, Leasehold Improvements and Equipment		 0.06 0.03 0.01 0.02 0.01 0.01 0.05 0.04 0.01 0.01
Sale and/or Maturity of Investments		 40 22 34 50 41 49 39 37 75 19
Net Cash From Financing Activities		 -7.70 -11 -5.67 -11 -17 -13 -9.52 -10 -9.32 -18
Net Cash From Continuing Financing Activities		 -7.70 -11 -5.67 -11 -17 -13 -9.52 -10 -9.32 -18
Repayment of Debt		 -0.37 -0.38 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37
Repurchase of Common Equity		 -2.42 -1.84 0.00 -6.09 -12 -3.64 -4.51 -5.26 -4.44 -7.72
Payment of Dividends		 -4.91 -8.90 -4.98 -4.91 -4.80 -8.60 -4.64 -4.64 -4.52 -8.53
Other Financing Activities, Net		 - -0.21 -0.31 - - -0.03 0.00 - -0.00 -1.42

Annual Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 2,890 2,317 2,842
Cash and Due from Banks		 389 397 259
Restricted Cash		 2.64 2.64 2.64
Trading Account Securities		 1,100 1,145 1,347
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Premises and Equipment, Net		 57 53 57
Unearned Premiums Asset		 352 532 341
Deferred Acquisition Cost		 104 110 121
Other Assets		 886 76 714
Total Liabilities & Shareholders' Equity		 2,890 2,317 2,842
Total Liabilities		 2,602 1,975 2,469
Non-Interest Bearing Deposits		 55 49 46
Long-Term Debt		 103 102 101
Claims and Claim Expense		 1,039 510 959
Unearned Premiums Liability		 944 991 1,060
Other Long-Term Liabilities		 462 324 301
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 288 341 373
Total Preferred & Common Equity		 288 341 373
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 288 341 373
Common Stock		 113 116 122
Retained Earnings		 517 561 597
Treasury Stock		 -239 -261 -283
Accumulated Other Comprehensive Income / (Loss)		 -104 -74 -63

Quarterly Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 3,127 2,551 2,918 2,559 2,120 2,679 2,651
Cash and Due from Banks		 307 330 292 344 396 283 334
Restricted Cash		 2.70 2.64 69 69 2.64 69 69
Trading Account Securities		 1,079 1,119 1,127 1,109 1,189 1,291 1,368
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 59 56 55 54 55 55 55
Unearned Premiums Asset		 532 189 1,195 791 162 663 641
Deferred Acquisition Cost		 112 98 107 115 107 117 125
Other Assets		 1,035 756 73 77 208 200 58
Total Liabilities & Shareholders' Equity		 3,127 2,551 2,918 2,559 2,120 2,679 2,651
Total Liabilities		 2,866 2,229 2,583 2,257 1,755 2,285 2,250
Non-Interest Bearing Deposits		 78 92 91 76 74 73 72
Long-Term Debt		 103 103 102 102 102 102 101
Claims and Claim Expense		 1,154 870 663 551 430 345 460
Unearned Premiums Liability		 992 899 982 1,040 955 1,042 1,109
Other Long-Term Liabilities		 540 265 745 488 195 723 508
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 261 322 335 302 365 393 400
Total Preferred & Common Equity		 261 322 335 302 365 393 400
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 261 322 335 302 365 393 400
Common Stock		 112 114 115 116 117 119 121
Retained Earnings		 501 537 560 549 590 620 599
Treasury Stock		 -237 -239 -245 -257 -265 -271 -275
Accumulated Other Comprehensive Income / (Loss)		 -116 -90 -96 -107 -77 -76 -46

Annual Metrics and Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 8.46% 13.90% 9.31%
EBITDA Growth		 -124.66% 1,025.41% -7.52%
EBIT Growth		 -195.90% 424.25% -4.23%
NOPAT Growth		 -193.46% 450.36% -11.81%
Net Income Growth		 -209.07% 400.23% -11.81%
EPS Growth		 -210.77% 408.33% -9.46%
Operating Cash Flow Growth		 38.46% -78.13% 93.54%
Free Cash Flow Firm Growth		 323.77% -88.53% 95.54%
Invested Capital Growth		 -26.76% 13.47% 7.04%
Revenue Q/Q Growth		 2.30% 3.82% 0.35%
EBITDA Q/Q Growth		 89.89% 27.52% -7.73%
EBIT Q/Q Growth		 75.22% 9.45% -17.98%
NOPAT Q/Q Growth		 78.12% -7.11% -19.18%
Net Income Q/Q Growth		 76.69% -7.11% -19.18%
EPS Q/Q Growth		 76.70% -5.93% -18.95%
Operating Cash Flow Q/Q Growth		 76.79% -58.74% -42.54%
Free Cash Flow Firm Q/Q Growth		 143.19% -55.45% 210.63%
Invested Capital Q/Q Growth		 7.44% 9.81% -5.42%
Profitability Metrics		 - - -
EBITDA Margin		 -0.91% 7.43% 6.29%
EBIT Margin		 -2.24% 6.38% 5.59%
Profit (Net Income) Margin		 -1.83% 4.82% 3.89%
Tax Burden Percent		 81.69% 75.64% 69.65%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 24.36% 30.35%
Return on Invested Capital (ROIC)		 -4.13% 16.03% 12.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 -7.21% 16.03% 12.84%
Return on Net Nonoperating Assets (RNNOA)		 -2.08% 5.22% 3.65%
Return on Equity (ROE)		 -6.20% 21.24% 16.49%
Cash Return on Invested Capital (CROIC)		 26.76% 3.40% 6.04%
Operating Return on Assets (OROA)		 -1.10% 3.39% 3.28%
Return on Assets (ROA)		 -0.90% 2.57% 2.28%
Return on Common Equity (ROCE)		 -6.20% 21.24% 16.49%
Return on Equity Simple (ROE_SIMPLE)		 -7.73% 19.58% 15.79%
Net Operating Profit after Tax (NOPAT)		 -19 67 59
NOPAT Margin		 -1.57% 4.82% 3.89%
Net Nonoperating Expense Percent (NNEP)		 3.08% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 102.24% 93.62% 94.41%
Earnings before Interest and Taxes (EBIT)		 -27 88 85
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -11 103 95
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.03 1.32 1.60
Price to Tangible Book Value (P/TBV)		 1.03 1.32 1.60
Price to Revenue (P/Rev)		 0.24 0.32 0.39
Price to Earnings (P/E)		 0.00 6.72 10.11
Dividend Yield		 6.57% 3.96% 3.66%
Earnings Yield		 0.00% 14.87% 9.89%
Enterprise Value to Invested Capital (EV/IC)		 0.02 0.34 0.92
Enterprise Value to Revenue (EV/Rev)		 0.01 0.11 0.29
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 1.47 4.57
Enterprise Value to EBIT (EV/EBIT)		 0.00 1.71 5.14
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 2.27 7.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.03 2.13 3.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.07 10.67 15.68
Leverage & Solvency		 - - -
Debt to Equity		 0.36 0.30 0.27
Long-Term Debt to Equity		 0.36 0.30 0.27
Financial Leverage		 0.29 0.33 0.28
Leverage Ratio		 6.89 8.28 7.22
Compound Leverage Factor		 6.89 8.28 7.22
Debt to Total Capital		 26.31% 23.01% 21.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.31% 23.01% 21.34%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.69% 76.99% 78.66%
Debt to EBITDA		 -9.24 0.99 1.06
Net Debt to EBITDA		 25.94 -2.89 -1.69
Long-Term Debt to EBITDA		 -9.24 0.99 1.06
Debt to NOPAT		 -5.39 1.53 1.72
Net Debt to NOPAT		 15.13 -4.46 -2.73
Long-Term Debt to NOPAT		 -5.39 1.53 1.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 124 14 28
Operating Cash Flow to CapEx		 6,757.91% 1,784.54% 1,891.98%
Free Cash Flow to Firm to Interest Expense		 18.71 2.17 4.28
Operating Cash Flow to Interest Expense		 49.10 10.87 21.21
Operating Cash Flow Less CapEx to Interest Expense		 48.38 10.26 20.09
Efficiency Ratios		 - - -
Asset Turnover		 0.49 0.53 0.59
Fixed Asset Turnover		 20.84 25.12 27.50
Capital & Investment Metrics		 - - -
Invested Capital		 391 443 474
Invested Capital Turnover		 2.63 3.32 3.30
Increase / (Decrease) in Invested Capital		 -143 53 31
Enterprise Value (EV)		 8.51 151 435
Market Capitalization		 297 449 596
Book Value per Share		 $9.44 $11.69 $13.20
Tangible Book Value per Share		 $9.44 $11.69 $13.20
Total Capital		 391 443 474
Total Debt		 103 102 101
Total Long-Term Debt		 103 102 101
Net Debt		 -289 -298 -161
Capital Expenditures (CapEx)		 4.80 3.98 7.26
Net Nonoperating Expense (NNE)		 3.18 0.00 0.00
Net Nonoperating Obligations (NNO)		 103 102 101
Total Depreciation and Amortization (D&A)		 16 15 11
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 ($0.72) $2.24 $2.07
Adjusted Weighted Average Basic Shares Outstanding		 30.75M 29.83M 28.50M
Adjusted Diluted Earnings per Share		 ($0.72) $2.22 $2.01
Adjusted Weighted Average Diluted Shares Outstanding		 30.75M 30.15M 29.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.43M 28.97M 28.10M
Normalized Net Operating Profit after Tax (NOPAT)		 -19 67 59
Normalized NOPAT Margin		 -1.57% 4.82% 3.89%
Pre Tax Income Margin		 -2.24% 6.38% 5.59%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -4.12 13.53 13.07
NOPAT to Interest Expense		 -2.89 10.23 9.10
EBIT Less CapEx to Interest Expense		 -4.85 12.92 11.94
NOPAT Less CapEx to Interest Expense		 -3.61 9.62 7.98
Payout Ratios		 - - -
Dividend Payout Ratio		 -106.86% 34.85% 37.89%
Augmented Payout Ratio		 -159.17% 67.81% 75.07%

Quarterly Metrics and Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.18% 9.19% 8.69% 15.73% 15.10% 15.67% 17.91% 12.51% 7.19% 1.39%
EBITDA Growth		 -426.24% 128.34% 45.93% 104.56% 92.77% 41.77% 44.81% 31.94% -190.15% -71.64%
EBIT Growth		 -426.24% 128.34% 45.93% 104.56% 90.88% 41.77% 44.81% 27.61% -130.07% -71.64%
NOPAT Growth		 -423.37% 155.65% 37.84% 287.60% 91.55% -20.36% 39.23% 23.98% -130.07% -69.91%
Net Income Growth		 -458.10% 152.18% 37.84% 287.60% 91.82% -20.36% 39.23% 23.98% -173.25% -69.91%
EPS Growth		 -468.75% 154.90% 41.07% 287.50% 91.53% -16.67% 44.30% 30.11% -185.00% -67.14%
Operating Cash Flow Growth		 -113.45% 355.94% -85.58% -79.54% 3,153.86% -99.66% 264.98% 41.62% 19.35% -29,905.59%
Free Cash Flow Firm Growth		 3,298.28% 238.95% 612.04% 133.47% -162.68% -119.45% -108.48% -136.57% -142.65% 22.88%
Invested Capital Growth		 -27.52% -26.76% -15.08% -6.95% 11.03% 13.47% 9.92% 13.23% 24.27% 7.04%
Revenue Q/Q Growth		 7.12% 4.01% -4.50% 8.77% 6.54% 4.53% -2.66% 3.79% 1.50% -1.13%
EBITDA Q/Q Growth		 -570.46% 121.16% 79.52% 14.48% -116.64% 514.60% 147.91% 4.30% -136.59% 140.53%
EBIT Q/Q Growth		 -570.46% 121.16% 79.52% 14.48% -120.98% 428.75% 147.91% 0.89% -137.83% 140.53%
NOPAT Q/Q Growth		 -985.56% 138.47% -3.74% 18.17% -119.30% 462.70% 68.29% 5.23% -135.82% 147.44%
Net Income Q/Q Growth		 -1,080.66% 134.74% -3.74% 18.17% -120.71% 438.11% 68.29% 5.23% -145.64% 137.23%
EPS Q/Q Growth		 -1,083.33% 135.59% -5.95% 17.72% -121.51% 450.00% 62.86% 6.14% -147.11% 140.35%
Operating Cash Flow Q/Q Growth		 -100.90% 4,571.02% -149.58% 202.79% 34.02% -99.51% 24,287.06% -11.77% 12.94% -222.65%
Free Cash Flow Firm Q/Q Growth		 177.48% 130.66% -40.70% -38.48% -174.50% 28.43% 74.15% -165.31% -394.34% 77.25%
Invested Capital Q/Q Growth		 -22.59% 7.44% 8.63% 2.99% -7.63% 9.81% 5.23% 6.08% 1.38% -5.42%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -27.60% 5.61% 10.55% 11.11% -1.73% 6.88% 12.96% 13.03% -4.70% 1.92%
EBIT Margin		 -27.60% 5.61% 10.55% 11.11% -2.19% 6.88% 12.96% 12.60% -4.70% 1.92%
Profit (Net Income) Margin		 -23.11% 7.72% 7.78% 8.45% -1.64% 5.31% 9.19% 9.31% -4.19% 1.58%
Tax Burden Percent		 77.52% 76.47% 73.72% 76.10% 75.09% 77.23% 70.88% 73.93% 89.19% 81.93%
Interest Burden Percent		 107.99% 179.78% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 23.53% 26.28% 23.90% 0.00% 22.77% 29.12% 26.07% 0.00% 18.07%
Return on Invested Capital (ROIC)		 -57.33% 20.31% 20.89% 23.99% -5.33% 17.65% 29.72% 29.64% -10.96% 5.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 -70.03% 20.31% 20.89% 23.99% -5.72% 17.65% 29.72% 29.64% -14.37% 5.20%
Return on Net Nonoperating Assets (RNNOA)		 -10.23% 5.84% 5.99% 7.03% -2.09% 5.74% 8.85% 8.31% -4.17% 1.48%
Return on Equity (ROE)		 -67.56% 26.16% 26.89% 31.02% -7.41% 23.39% 38.56% 37.95% -15.13% 6.68%
Cash Return on Invested Capital (CROIC)		 11.75% 26.76% 13.74% 8.43% 8.30% 3.40% 7.68% 5.44% -5.54% 6.04%
Operating Return on Assets (OROA)		 -12.45% 2.76% 6.09% 5.39% -1.03% 3.66% 8.00% 6.68% -2.72% 1.13%
Return on Assets (ROA)		 -10.42% 3.79% 4.49% 4.10% -0.77% 2.83% 5.67% 4.94% -2.43% 0.93%
Return on Common Equity (ROCE)		 -67.56% 26.16% 26.89% 31.02% -7.41% 23.39% 38.56% 37.95% -15.13% 6.68%
Return on Equity Simple (ROE_SIMPLE)		 -36.64% 0.00% -4.85% 1.67% 23.86% 0.00% 20.93% 21.15% 18.22% 0.00%
Net Operating Profit after Tax (NOPAT)		 -65 25 24 29 -5.51 20 34 35 -13 6.02
NOPAT Margin		 -20.86% 7.72% 7.78% 8.45% -1.53% 5.31% 9.19% 9.31% -3.29% 1.58%
Net Nonoperating Expense Percent (NNEP)		 12.71% 0.00% 0.00% 0.00% 0.39% 0.00% 0.00% 0.00% 3.41% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 127.60% 94.39% 89.45% 88.89% 102.19% 93.12% 87.04% 87.40% 104.70% 98.08%
Earnings before Interest and Taxes (EBIT)		 -86 18 33 38 -7.88 26 47 48 -18 7.35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -86 18 33 38 -6.25 26 47 50 -18 7.35
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.03 1.62 1.33 1.34 1.32 1.59 1.36 1.58 1.60
Price to Tangible Book Value (P/TBV)		 1.05 1.03 1.62 1.33 1.34 1.32 1.59 1.36 1.58 1.60
Price to Revenue (P/Rev)		 0.23 0.24 0.42 0.35 0.30 0.32 0.40 0.36 0.42 0.39
Price to Earnings (P/E)		 0.00 0.00 0.00 79.92 5.62 6.72 7.59 6.43 8.66 10.11
Dividend Yield		 6.83% 6.57% 3.74% 4.37% 4.76% 3.96% 3.05% 3.28% 2.75% 3.66%
Earnings Yield		 0.00% 0.00% 0.00% 1.25% 17.79% 14.87% 13.18% 15.54% 11.55% 9.89%
Enterprise Value to Invested Capital (EV/IC)		 0.19 0.02 0.68 0.43 0.23 0.34 0.60 0.58 0.66 0.92
Enterprise Value to Revenue (EV/Rev)		 0.06 0.01 0.23 0.15 0.07 0.11 0.20 0.19 0.22 0.29
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 82.98 1.16 1.47 2.74 2.51 3.20 4.57
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 82.98 1.16 1.71 2.74 2.51 3.20 5.14
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 33.65 1.30 2.27 3.70 3.42 4.53 7.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.37 0.03 0.96 1.87 0.54 2.13 1.38 1.26 1.38 3.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.32 0.07 4.58 4.91 2.94 10.67 8.24 11.23 0.00 15.68
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.40 0.36 0.32 0.31 0.34 0.30 0.28 0.26 0.25 0.27
Long-Term Debt to Equity		 0.40 0.36 0.32 0.31 0.34 0.30 0.28 0.26 0.25 0.27
Financial Leverage		 0.15 0.29 0.29 0.29 0.37 0.33 0.30 0.28 0.29 0.28
Leverage Ratio		 6.98 6.89 5.99 7.56 10.11 8.28 6.80 7.69 7.42 7.22
Compound Leverage Factor		 7.54 12.39 5.99 7.56 10.11 8.28 6.80 7.69 7.42 7.22
Debt to Total Capital		 28.32% 26.31% 24.17% 23.43% 25.32% 23.01% 21.83% 20.54% 20.22% 21.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 28.32% 26.31% 24.17% 23.43% 25.32% 23.01% 21.83% 20.54% 20.22% 21.34%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.68% 73.69% 75.83% 76.57% 74.69% 76.99% 78.17% 79.46% 79.78% 78.66%
Debt to EBITDA		 -0.94 -9.24 -6.06 45.28 1.27 0.99 0.99 0.90 0.98 1.06
Net Debt to EBITDA		 1.88 25.94 13.60 -114.08 -3.85 -2.89 -2.88 -2.21 -2.92 -1.69
Long-Term Debt to EBITDA		 -0.94 -9.24 -6.06 45.28 1.27 0.99 0.99 0.90 0.98 1.06
Debt to NOPAT		 -1.18 -5.39 -8.66 18.37 1.42 1.53 1.33 1.22 1.39 1.72
Net Debt to NOPAT		 2.38 15.13 19.43 -46.27 -4.32 -4.46 -3.89 -3.01 -4.13 -2.73
Long-Term Debt to NOPAT		 -1.18 -5.39 -8.66 18.37 1.42 1.53 1.33 1.22 1.39 1.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 73 168 100 61 -46 -33 -8.44 -22 -111 -25
Operating Cash Flow to CapEx		 -426.93% 21,160.33% -7,379.88% 4,464.74% 6,943.93% 29.77% 2,552.83% 4,959.80% 4,986.36% -11,515.80%
Free Cash Flow to Firm to Interest Expense		 44.64 102.33 60.83 37.58 0.00 -9.99 -5.20 0.00 -68.36 -7.78
Operating Cash Flow to Interest Expense		 -1.39 61.80 -30.72 31.71 0.00 0.10 51.12 0.00 51.03 -31.33
Operating Cash Flow Less CapEx to Interest Expense		 -1.72 61.51 -31.14 31.00 0.00 -0.25 49.12 0.00 50.01 -31.60
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.45 0.49 0.58 0.49 0.47 0.53 0.62 0.53 0.58 0.59
Fixed Asset Turnover		 20.20 20.84 21.42 22.38 23.65 25.12 26.02 26.97 27.62 27.50
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 364 391 424 437 404 443 466 495 502 474
Invested Capital Turnover		 2.75 2.63 2.69 2.84 3.48 3.32 3.23 3.18 3.33 3.30
Increase / (Decrease) in Invested Capital		 -138 -143 -75 -33 40 53 42 58 98 31
Enterprise Value (EV)		 67 8.51 290 188 94 151 282 285 330 435
Market Capitalization		 275 297 521 446 404 449 579 535 631 596
Book Value per Share		 $8.49 $9.44 $10.57 $10.99 $10.02 $11.69 $12.59 $13.67 $14.05 $13.20
Tangible Book Value per Share		 $8.49 $9.44 $10.57 $10.99 $10.02 $11.69 $12.59 $13.67 $14.05 $13.20
Total Capital		 364 391 424 437 404 443 466 495 502 474
Total Debt		 103 103 103 102 102 102 102 102 101 101
Total Long-Term Debt		 103 103 103 102 102 102 102 102 101 101
Net Debt		 -207 -289 -230 -258 -311 -298 -297 -250 -301 -161
Capital Expenditures (CapEx)		 0.53 0.48 0.68 1.16 1.00 1.14 3.25 1.48 1.66 0.88
Net Nonoperating Expense (NNE)		 7.01 0.00 0.00 0.00 0.40 0.00 0.00 0.00 3.48 0.00
Net Nonoperating Obligations (NNO)		 103 103 103 102 102 102 102 102 101 101
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.00 0.00 1.63 0.00 0.00 1.62 0.00 0.00
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.84 $0.80 $0.94 ($0.20) $0.70 $1.17 $1.24 ($0.57) $0.23
Adjusted Weighted Average Basic Shares Outstanding		 0.00 30.75M 30.38M 30.27M 29.62M 29.83M 28.87M 28.60M 28.36M 28.50M
Adjusted Diluted Earnings per Share		 $0.00 $0.84 $0.79 $0.93 ($0.20) $0.70 $1.14 $1.21 ($0.57) $0.23
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 30.75M 30.63M 30.66M 29.62M 30.15M 29.40M 29.31M 28.36M 29.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 30.43M 30.44M 30.08M 29.19M 28.97M 28.76M 28.48M 28.29M 28.10M
Normalized Net Operating Profit after Tax (NOPAT)		 -65 25 24 29 -5.51 20 34 35 -13 6.02
Normalized NOPAT Margin		 -20.86% 7.72% 7.78% 8.45% -1.53% 5.31% 9.19% 9.31% -3.29% 1.58%
Pre Tax Income Margin		 -29.81% 10.09% 10.55% 11.11% -2.19% 6.88% 12.96% 12.60% -4.70% 1.92%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -52.97 11.14 20.04 23.04 0.00 7.93 29.28 0.00 -11.19 2.27
NOPAT to Interest Expense		 -40.04 15.31 14.78 17.54 0.00 6.12 20.75 0.00 -7.84 1.86
EBIT Less CapEx to Interest Expense		 -53.29 10.85 19.63 22.33 0.00 7.58 27.27 0.00 -12.22 2.00
NOPAT Less CapEx to Interest Expense		 -40.37 15.02 14.36 16.83 0.00 5.77 18.75 0.00 -8.86 1.59
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -25.11% -106.86% -151.94% 425.02% 32.78% 34.85% 30.07% 27.27% 30.72% 37.89%
Augmented Payout Ratio		 -35.37% -159.17% -201.65% 610.67% 60.90% 67.81% 64.84% 58.17% 55.18% 75.07%

Frequently Asked Questions About Universal Insurance's Financials

When does Universal Insurance's financial year end?

According to the most recent income statement we have on file, Universal Insurance's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Universal Insurance's net income changed over the last 2 years?

Universal Insurance's net income appears to be on an upward trend, with a most recent value of $58.93 million in 2024, falling from -$22.26 million in 2022. The previous period was $66.82 million in 2023.

How has Universal Insurance revenue changed over the last 2 years?

Over the last 2 years, Universal Insurance's total revenue changed from $1.22 billion in 2022 to $1.51 billion in 2024, a change of 24.5%.

How much debt does Universal Insurance have?

Universal Insurance's total liabilities were at $2.47 billion at the end of 2024, a 25.0% increase from 2023, and a 5.1% decrease since 2022.

How much cash does Universal Insurance have?

In the past 2 years, Universal Insurance's cash and equivalents has ranged from $259.44 million in 2024 to $397.31 million in 2023, and is currently $259.44 million as of their latest financial filing in 2024.

How has Universal Insurance's book value per share changed over the last 2 years?

Over the last 2 years, Universal Insurance's book value per share changed from 9.44 in 2022 to 13.20 in 2024, a change of 39.9%.


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This page (NYSE:UVE) was last updated on 5/5/2025 by MarketBeat.com Staff
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